As a homeowner, you rely on things working smoothly, such as your home’s electrical, heating, cooling, plumbing, and sewer systems. Because these systems are imperfect, they are bound to fail or be damaged at some point, causing costly repairs or replacements.
Having Service Line coverage with Mapfre Insurance under your homeowner’s insurance policy can help alleviate some of your headaches. This optional add-on protects homeowners from mechanical, electrical, and underground exterior service lines for system breakdowns.
What is a service line?
A covered service line is the underground piping and wiring outside your home. This includes any permanent connections, valves, or devices that provide one of the following services to your residence:
- Communications, such as cable, data, internet, and telecommunications
- Compressed air
- Drainage
- Electrical power
- Heating, including geothermal, natural gas, propane, and steam
- Waste disposal
- Water
How can a service line be damaged?
A service line can be damaged or fail due to a leak, break, tear, rupture, collapse, or electrical arcing. Various factors can contribute to such failures, including:
- Normal wear and tear, or hidden damage
- Rust or corrosion
- Mechanical breakdown or faulty parts
- Heavy weight from vehicles, equipment, animals, or people
- Damage from vermin, insects, rodents, or other animals
- Electrical issues from outside sources
- Freezing or frost heave
- Damage from tools like shovels or backhoes
- Roots from trees or other plants invading the line
How can I benefit from Service Line coverage?
Service line coverage can help you avoid the high costs of repairing or replacing underground utility lines that your standard homeowner’s policy may not cover when they fail. While you still must pay your deductible, you could save thousands of dollars on electricity, gas, sewer, and water lines.
What is excluded under Service Line coverage?
Service line coverage can protect against various types of damage, but it’s important to be aware of several significant exclusions.
Mapfre will not cover any loss or damage to the following:
- Septic systems include leach fields, septic tanks, pumps, motors, and the piping connecting the septic tank to the leach fields.
- Water wells, including well pumps or motors.
- Heating and cooling systems, including heat pumps.
- Sprinkler system components, such as pumps, motors, or heads.
Additionally, we will not cover any loss or damage to a covered service line that occurs during installation, dismantling, or while being repaired. We will also not pay for cleaning or removing pollutants, hazardous waste, or sewage.
To learn more about how Home Systems Protection and Service Line coverage with Mapfre Insurance can benefit you, contact your local independent agent in your state today. And if you’re not already insured with Mapfre in Massachusetts, get a fast, free quote online today!
